Tyre Insurance

Tyre Insurance covers the cost of the replacement or repair of the tyres fitted to your vehicle that have sustained either accidental or malicious damage.

It will cover up to 4 tyres each year, and will pay up to £300 towards the cost of a replacement tyre.

This policy can only be purchased in conjunction with Gap Insurance and be purchased within 30 days of vehicle delivery.

10 Months interest free Credit Available.

  • Covers New & Used Cars
  • Cover from 1 to 4 years
  • 4 Claims Per 12 Month Period Permitted
  • Fitting & Balancing Included
  • Claim limits of £150 or £300
  • Covers Run Flats and Tyres over 18"
  • No Wear & Tear Deductions
  • Covers Accidental and Malicious damage
  • Covers all drivers on your insurance policy
  • Covers vehicles up to 3 years old
  • Covers vehicles up to 50,000 miles
  • Standard & Run Flat Plan Options
  • No Excess Charges Payable
  • £50 towards puncture repair


What is Tyre Insurance and what cover does it provide?

The purpose of tyre Insurance is to contribute towards the cost of the repair or replacement of the tyres fitted to your vehicles that have sustained either accidental or malicious damage which results in deflation.

This insurance covers tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Tyre Insurace cover is available for passenger cars, light 4 wheel commercials and motor homes (under 3500 GVW).

The maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per, tyre per occasion depending on the claim limit you have selected. This will include a valve, balance and VAT.

The maximum aggregate amount payable throughout the period of insurance is limited to 4 claims per 12 month period of insurance.

Whose name should the policy be in?

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

What is the Geographic Area of cover?

The United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including Shetland, Orkney, the Inner Hebrides and Outer Hebrides). Please note that this means the Isle of Man is also excluded.

Who is the insurer of this policy?

Motors Insurance Company Limited (MICL), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority under number 202875. This can be checked at register.fca.org.uk.

The insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers, 90% of the claim is covered with no upper limit.

What is the claim limit?

The maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per, tyre per occasion depending on the claim limit you have selected. This will include a valve, balance and VAT.

The maximum aggregate amount payable throughout the period of insurance is limited to 4 claims per 12 month period of insurance.

When and how do I receive my policy documents?

Policy documents together with confirmation of payment are sent by email as soon as you make the payment.

Why is Direct Gap so much cheaper than motor dealers quote?

We are an internet based provider and as such we have lower overheads than motor dealers.

As a result of the high volume of GAP insurance that we sell annually, we are able to provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other web sites.

Paying less than you have been quoted elsewhere in no way means that you are buying an inferior product, it just means that they are making more profit from your purchase!

Are run flat tyres covered?

Yes; run flat tyres are included under the tyre insurance policy, provided you have selected and paid for the run flat product.

Are there any wear and tear deductions?

No; there is no charge for betterment but the tyres must comply with the legal requirements.

Am I covered for malicious damage?

Yes; this tyre insurance policy will cover malicious damage to tyres provided that a police report is available.

Where do I need to buy my tyres from?

Tyres must be either repaired by or purchased from a VAT registered tyre supplier or dealer.

This can be a supplier of your choice or in certain circustances the insurer has a fleet account with Kwik Fit and you will not be required to make payment.

What is the maximum permitted mileage at time of policy inception?

Maximum permitted is 50,000 miles at date of policy purchase.

How many claims can I make?

You can make up to 4 claims in each 12 months period.

Is there a waiting period?

Yes - the first 30 days following the inception of this Insurance during which time no claim will be accepted.  This applies to all Alloy Wheel, Scratch & Dent and Tyre Insurance policies.

When can I purchase the cover?

Tyre Insurance cover must be purchased within 30 days of delivery of the vehicle.

Are tyres covered under car insurance?

The likes of punctures, cuts or bursts and any damage caused by braking will not be covered by most motor insurance policies. That’s why tyre insurance with Direct Gap can prove a sensible solution. It offers you added peace of mind that, should anything go wrong with your tyres, you won’t have to fork out a fortune for their repair or replacement.

Is tyre insurance worth it?

Should your tyres become damaged and need replacing or repairing, it could become expensive, especially if the tyres required for your vehicle are specialist or need to be of high performance. Without tyre insurance, you might find yourself significantly out of pocket, so why take that risk? With a robust tyre insurance policy from Direct Gap, you can get behind the wheel safe in the knowledge that our cover will contribute up to £300 towards the cost of any tyre repairs or replacements – a major saving by anyone’s standards.

Can I get tyre insurance if I bought my car on finance?

Yes; whether you purchased your car outright or via a finance agreement, our tyre insurance cover is available to you.

Is tyre insurance only for new cars?

No; our tyre insurance can be taken out whether your car is under 3 years old.  However, please note that the maximum permitted mileage at the date of the policy purchase is 50,000 miles

Will my tyre insurance cover me if I'm at fault?

Yes; your policy will cover you even if the incident that caused your tyres to become damaged was your fault. However, please note that you will not be covered if the driver of the car is under the influence of alcohol, non-prescription drugs, is involved in illegal activity, fraud or an act of wilful negligence. We recommend that you carefully read through your policy documents for full terms and conditions.

How do I take out a tyre insurance policy?

Here at Direct Gap, we believe in making life as easy as possible for our customers, and taking out a tyre insurance policy is certainly no different. You can calculate your quote online – all you need to do is fill in the desired length of policy, your claim limit, the vehicle model and its tyre type, and we’ll provide you with a quote in seconds – it’s that simple.

Of course, you can always get in touch with a member of our expert, friendly team – they’ll be only too happy to help you out. You can email us at enquiries@directgap.co.uk or call us on 01422 756100.

How do I claim on my tyre insurance?

If your tyres become damaged and need repairing or replacing, you can call the administrators claims number on 0344 573 8002, and they will direct you to a garage where we have an account so your vehicle can get fixed up. If one is not available to you locally, then the best course of action is to pay for the repairs before claiming the money back through your tyre insurance.

Can I transfer my tyre insurance to a replacement vehicle?

No; this is not a transferable form of cover. If you change your car for any reason, you are entitled to a pro rata refund on your policy, as long as no claims have been made. There will also be a £20 cancellation fee.

Can I cancel my tyre insurance?

Should you no longer want your policy, you are able to cancel. We offer a 30-day grace period (more than twice the legal requirement of 14 days) within which you will be entitled to a full refund. After those 30 days, you’ll be charged a £20 cancellation fee and will be refunded on a pro rata basis. Provided no claims have been made.

Why would my tyre insurance policy not pay out?

You will not be covered for any claims where the tread depth is less than 2mm across any area of the tyre, for theft of the tyres, or if the tyres have been modified in any way from the manufacturer’s specification.

Exclusions also apply if your vehicle is more than three years old at the start date of your tyre insurance policy, or if it has covered 50,000 miles by that date. Additionally, you will not be covered for general wear.

There are further exclusions that apply to your tyre insurance cover, so please check your policy documents for full terms and conditions.

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